I am a new grad and getting ready to begin my first job as an RN. I have read numerous threads from this site about whether or not insurance is important. I am 100% convinced that as a new nurse, the small price to pay for insurance is well worth the cost. My question is: Which is the BEST insurance policy to have? I noticed NSO only overs up to $1,000,000 per incident, but yet it still seems to be popular. To me that doesn't seem like very high coverage when you hear about these lawsuits where the patients are suing for multi-million dollar settlements. Any advice would be appreciated. Thanks!